149 Park St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 149 Park St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,863 sqft · built 1900
Lot Size	0.146 acres (6,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Oct 2024)
Tax Bill	$63 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:15 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:15 L:9`
Alternative APN	`M:O-27 B:0093 L:0009`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,863 sqft Living Area
Gross Area	5,684 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,370 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	149 PARK ST
City	GARDNER
State	MA
Zip	01440-1634
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	15
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	149 PARK ST, GARDNER, MA 01440-1634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINTE BANK
Jun 24, 2020	Deed of Trust, Mortgage · FHA Mortgage SHAMROCK HM LNS
Apr 16, 2019	Quit Claim Deed, Transfer · FHA Mortgage SHAMROCK FINANCIAL CORP
Nov 1, 2017	Quit Claim Deed, Transfer
Jun 9, 2017	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2024 · Amount on Record
Deed Sale	Oct 11, 2024 · Amount on Record
Prior Sale	Jul 6, 2022 · Amount on Record
Deed Document Number	202483792
Deed Book / Page	71146 / 250
Record Updated	Jun 8, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 6, 2022
Property Address	149 PARK ST, GARDNER, MA 01440-1634
Document Number	067865-226
Book / Page	67865 / 226
Instrument Date	Jul 6, 2022
Instrument	73676
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 PARK ST, GARDNER, MA 01440-1634

Mortgage

Document Number	0000073677
Date	Jul 6, 2022
Instrument	73677

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	149 PARK ST, GARDNER, MA 01440-1634
Document Number	62685-354
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 PARK ST GARDNER MA 014401634, GARDNER, MA 01440-1634

Mortgage

Document Number	62685-354
Date	Jun 29, 2020
Book Page	062685/000354
Instrument	68555

Lender

Name	SHAMROCK HM LNS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 16, 2019
Property Address	149 PARK ST, GARDNER, MA 01440-1634
Document Number	60277-360
Book / Page	60277 / 360
Instrument Date	Apr 16, 2019
Instrument	33028
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 PARK ST, GARDNER, MA 01440-1634

Mortgage

Document Number	33029
Date	Apr 16, 2019
Instrument	33029

Lender

Name	SHAMROCK FINANCIAL CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 1, 2017
Property Address	149 PARK ST, GARDNER, MA 01440-1634
Document Number	57978-366
Book / Page	057978 / 000366
Instrument Date	Oct 23, 2017
Instrument	122172
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 FAULKNER RD SHREWSBURY MA 015453978, SHREWSBURY, MA 01545-3978

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jun 9, 2017
Property Address	149 PARK ST, GARDNER, MA 01440-1634
Document Number	57238-142
Book / Page	057238 / 000142
Instrument Date	Apr 25, 2017
Instrument	59394
Transaction Type	Foreclosure
Record Updated	Jun 27, 2017

Transaction

Amount	Amount Recorded
Tax	$1,021.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	149 PARK ST GARDNER MA 014401634, GARDNER, MA 01440-1634

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$63.00 (-98.92%)	$440,800 (+13.11%) Land $66,400 Building $374,400
2024	$5,842.00 (+24.94%)	$389,700 (+34.43%) Land $60,400 Building $329,300
2023	$4,676.00	$289,900 Land $59,500 Building $230,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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